Homeowners Assistance Program

The National Foundation for Credit Counseling (NFCC) and Divvy Homes are partnering to help renters take steps toward affordable, sustainable homeownership. The program, which also involves NFCC Member agency, Money Management International (MMI), will provide prospective home owners with access to a dedicated coach through the Envisioning Home Ownership (EHO) program announced in June of 2018. The coaches, all of whom are NFCC Certified Housing Counselors, will work with each individual to …Read More

By Jennifer Riner of Zillow Zillow recently determined first-time home buyers are renting longer than ever, up 6 years compared to 4.4 years in the late 1980s. And, the typical first-time home buyer is now 33 years old compared to 30 years old just a few decades ago. This delay in buying homes between Gen X and Gen Y has a lot of economists speculating – why the wait? One …Read More

By Tali Wee New homebuyers often ask: can I get a mortgage with no credit? The short answer is no. However, almost nobody has absolutely no credit. So, even if you don’t have a credit score, mortgage lenders may still lend to you based on other components of your credit history. What Credit History Lenders Look For If you’ve never had traditional credit like credit cards, student loans or car …Read More

By Chris Birk The days of scraping together a 20 percent down payment are mostly gone among todayâ€™s homebuyers, and itâ€™s unclear if theyâ€™ll return.Â The average homebuyer puts down 16 percent of the purchase price, a 9.4 percent drop since May 2011, according to LendingTree.Â But itâ€™s certainly possible for prospective buyers to lock into a loan with far less cash at the ready. Some housing observers have made the case …Read More

By LauralynnÂ Â Schueckler Whether you are thinking of buying your own home or are already a homeowner, housing counseling can offer valuable help when you need it most. It is a common misconception to believe that housing counseling is only for people whose mortgages are underwater or those who have bad credit.Â For those who are interested in becoming a homeowner, housing counselors can offer some compelling arguments to support the …Read More

In honor of Veteransâ€™ Day I would like to take this opportunity to thank all of you service members, both active and retired, and your families for your service to our country.Â I also want to let all servicemen and women know about a program that might greatly benefit you and your families. Housing issues are a problem for many families across our country, military and civilian.Â A variety of …Read More